What are the current interest rates at P.C. Federal Credit Union?

Current rates for P.C. Federal Credit Union include: 12-Month CD: 1.55%, 18-Month CD: 1.60%, 24-Month CD: 1.65%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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P.C. Federal Credit Union

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P.C. Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join P.C. Federal Credit Union?

Yes, to access services at P.C. Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, P.C. Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

P.C. Federal Credit Union's top rate as of October 10, 2026 is 4.25% APY on its Level 6 - 6 month term CD, according to rates verified by MonitorBankRates. Other P.C. Federal Credit Union CD rates include Level 6 - 6 month term at 4.10%, Level 5 - 6 month term at 3.50%, and Level 5 - 6 month term at 3.45%. MonitorBankRates evaluates the financial stability of P.C. Federal Credit Union with a 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 23.60%. Rates last updated and verified on 10/10/2026.

P.C. Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at P.C. Federal Credit Union? Share your experience about P.C. Federal Credit Union by leaving a review below, or read customer reviews before you decide to use P.C. Federal Credit Union.

Overall Health & Safety Grade

B-

Adequate Health Score: 81/100

MonitorBankRates Rating

4.3

Excellent Out of 5.0 Stars

Texas Ratio

23.60%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

P.C. Federal Credit Union
P C Federal Credit Union

203 N Main St
Port Allegany, PA 16743

http://www.pcfederalcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

P.C. Federal Credit Union CD Rates

Product	Rate	APY	Term
Level 6 - 6 month term	4.25%	4.25%	6-6 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100000.00 to open; $100000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.25% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 6 - 6 month term	4.10%	4.10%	6-6 months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100000.00 to open; $100000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.10% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 5 - 6 month term	3.50%	3.50%	5-6 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50000.00 to open; $50000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.50% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 5 - 6 month term	3.45%	3.45%	5-6 months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50000.00 to open; $50000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.45% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 4 - 6 month term	3.40%	3.40%	4-6 months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25000.00 to open; $25000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.40% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 4 - 6 month term	3.35%	3.35%	4-6 months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25000.00 to open; $25000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.35% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 4 - 6 month term	3.30%	3.30%	4-6 months
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25000.00 to open; $25000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.30% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 3 - 24 month term	2.35%	2.35%	3-24 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10000.00 to open; $10000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.35% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 3 - 18 month term	2.30%	2.30%	3-18 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10000.00 to open; $10000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.30% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 2 - 24 month term	2.25%	2.25%	2-24 months
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5000.00 to open; $5000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.25% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 3 - 12 month term	2.25%	2.25%	3-12 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10000.00 to open; $10000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.25% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 1 - 24 month term	2.20%	2.20%	1-24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000.00 to open; $1000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.20% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 2 - 18 month term	2.20%	2.20%	2-18 months
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5000.00 to open; $5000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.20% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 3 - 6 month term	2.20%	2.20%	3-6 months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10000.00 to open; $10000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.20% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 1 - 18 month term	2.15%	2.15%	1-18 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000.00 to open; $1000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.15% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 2 - 12 month term	2.15%	2.15%	2-12 months
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5000.00 to open; $5000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.15% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 1 - 12 month term	2.10%	2.10%	1-12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000.00 to open; $1000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.10% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 2 - 6 month term	2.10%	2.10%	2-6 months
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5000.00 to open; $5000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.10% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 1 - 6 month term	2.05%	2.05%	1-6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1000.00 to open; $1000.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 2.05% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 0 - 24 month term	1.65%	1.65%	0-24 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 to open; $500.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.65% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 0 - 18 month term	1.60%	1.60%	0-18 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 to open; $500.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.60% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 0 - 12 month term	1.55%	1.55%	0-12 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 to open; $500.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.55% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%
Level 0 - 6 month term	1.50%	1.50%	0-6 months
Min Deposit $500 Min Balance $500 Details Balance: $500.00 to open; $500.00 to obtain disclosed APY Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 1.50% APY · checked 2 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%

P.C. Federal Credit Union Savings Rates

Product	Rate	APY	View More
Share / Christmas Club / Vacation Club Shares	1.00%	1.00%
Min Deposit $5 Min Balance $100 Details Dividends Compounded Quarterly; Dividends Credited Quarterly; Dividend Period Quarterly; Balance Method Average Daily Balance Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 23.60%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

P.C. Federal Credit Union’s Texas Ratio rose from 6.67% in Q3 2023 to 23.60% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.3 and its Health Grade from A to B-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$14M	23.60%	4.3	B-
March 31, 2026	$14M	16.24%	4.9	A-
December 31, 2025	$14M	12.29%	5.0	A
September 30, 2025	$14M	12.51%	5.0	A
June 30, 2025	$14M	17.58%	4.8	B+
March 31, 2025	$13M	18.74%	4.7	B+
December 31, 2024	$13M	16.37%	4.9	A-
September 30, 2024	$14M	14.68%	5.0	A-
June 30, 2024	$13M	14.62%	5.0	A-
March 31, 2024	$13M	14.89%	5.0	A-
December 31, 2023	$13M	7.18%	5.0	A
September 30, 2023	$13M	6.67%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for P.C. Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather P.C. Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with P.C. Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name P.C. Federal Credit Union

Website http://www.pcfederalcu.org

Address 203 N Main St, Port Allegany, PA 16743

Phone 814-642-9248

Fax 814-642-5044

President Clifford Lane

CEO Jean Bonser

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.3 / 5.0 ★

Overall Health & Safety Grade

B- (81/100)

Texas Ratio

23.60%

Return on Assets (ROA)

0.1808%

Return on Equity (ROE)

1.3605%

Non-Performing Loans Ratio (NPL)

4.15%

Total Assets

13,541,532

Total Amount of Shares and Deposits

11,621,056

Total Shares and Deposits < 1 Year

9,792,056

Total Shares and Deposits 1 3 Years

1,829,000

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

235,048

Total Uninsured Shares and Deposits > $250K (F+J)

235,048

Total Insured Shares and Deposits > $250K (item 17 less item K)

11,386,008

Total Interest Expense (Sum of items 6 8)

162,332

Share Certificates

Number of Accounts for Share Drafts

502

Number of Accounts for Regular Shares

1,785

Non Member Deposits

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,835,917

Total Liabilities

11,742,403

Source: NCUA — Last Updated 06/30/2026

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Frequently Asked Questions About P.C. Federal Credit Union

How many branches does P.C. Federal Credit Union operate?

P.C. Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join P.C. Federal Credit Union?

Yes, to access services at P.C. Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, P.C. Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, P.C. Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does P.C. Federal Credit Union offer online and mobile banking?

Most modern institutions like P.C. Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.pcfederalcu.org.